Instantaneous merchant information retrieval for financial transactions

ABSTRACT

A solution to resolve ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and method including a binary-searchable non-transitory computer-readable medium is configure to store a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant. A binary search of the first set of unambiguous merchant identification data is carried out using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a second set of partial match criteria for comparing the ambiguous merchant identification data with the first set of unambiguous merchant identification data. An entry of the first set of unambiguous merchant identification data is assigned to correspond with the ambiguous merchant identification data where at least a predetermined number of the second set of partial match criteria are met.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the priority benefit under 35 U.S.C. §120 as acontinuation of U.S. patent application Ser. No. 13/549,237, filed 13Jul. 2012 having the same title and the same inventive entity as theinstant application, which application was granted 4 Jun. 2013 as U.S.Pat. No. 8,458,071, and in turn claims the priority benefit under 35U.S.C. §119(e) of prior U.S. Provisional Patent Application Ser. No.61/507,411, filed 13 Jul. 2011.

This application is also related to the U.S. Non-provisional Utilitypatent application Ser. No. 13/548,983 (Assignee Reference No.P00734-US-UTIL; Attorney Docket No. 1788-73), filed 13 Jul. 2012,entitled MERCHANT DATA CLEANSING IN CLEARING RECORD, now pending, by MACNAIR, Bruce W., et al., which in turn claims the benefit of prior U.S.Provisional Patent Application Ser. No. 61/507,414, filed 13 Jul. 2011,and also of prior U.S. Provisional Patent Application Ser. No.61/565,362, filed 30 Nov. 2011, and which is commonly assigned with theinstant application.

The complete disclosures of each of these aforementioned applications ishereby incorporated herein by this reference in its entirety for allpurposes.

BACKGROUND

1. Field of the Disclosure

The present disclosure relates to electronic transaction processing.More specifically, the present disclosure is directed to method andsystem for providing instantaneous merchant information retrievalconcerning a merchant involved in a cashless transactionnear-instantaneously to permit its use during transaction authorizationand/or clearing.

2. Brief Discussion of Related Art

The use of payment devices for a broad spectrum of cashless transactionshas become ubiquitous in the current economy, accounting for hundreds ofbillions of dollars in transactions during 2011 alone. The process andparties involved can be visualized for example as presented in FIG. 1,and can be thought of as a cycle, as indicated by arrow 10. A deviceholder 12 may present a payment device 14 to a merchant 16 as paymentfor goods and/or services. For simplicity the payment device 14 isdepicted as a credit card, although those skilled in the art willappreciate the present disclosure is equally applicable to any cashlesspayment device, for example and without limitation contactlessRFID-enabled devices including smart cards, NFC-enabled smartphones,electronic mobile wallets or the like. The payment device 14 here isemblematic of any transaction device, real or virtual, by which thedevice holder 12 as payor and/or the source of funds for the payment maybe identified.

In cases where the merchant 16 has an established merchant account withan acquiring bank (also called the acquirer) 20, the merchantcommunicates with the acquirer to secure payment on the transaction. Anacquirer 20 is a party or entity, typically a bank, which is authorizedby the network operator 22 to acquire network transactions on behalf ofcustomers of the acquirer 20 (e.g., merchant 16). Occasionally, themerchant 16 does not have an established merchant account with anacquirer 20, but may secure payment on a transaction through athird-party payment provider 18. The third party payment provider 18does have a merchant account with an acquirer 20, and is furtherauthorized by the acquirer 20 and the network operator 22 to acquirepayments on network transactions on behalf of sub-merchants. In thisway, the merchant 16 can be authorized and able to accept the paymentdevice 14 from a device holder 12, despite not having a merchant accountwith an acquirer 20.

The acquirer 20 routes the transaction request to the network operator22. The data included in the transaction request will identify thesource of funds for the transaction. With this information, the networkoperator routes the transaction to the issuer 24. An issuer 24 is aparty or entity, typically a bank, which is authorized by the networkoperator 22 to issue payment cards 14 on behalf of its customers (e.g.,device holder 12) for use in transactions to be completed on thenetwork. The issuer 24 also provides the funding of the transaction tothe network provider 22 for transactions that it approves in the processdescribed. The issuer 24 may approve or authorize the transactionrequest based on criteria such as a device holder's credit limit,account balance, or in certain instances more detailed andparticularized criteria including transaction amount, merchantclassification, etc., which may optionally be determined in advance inconsultation with the device holder and/or a party having financialownership or responsibility for the account(s) funding the paymentdevice 14, if not solely the device holder 12.

The issuer 24 decision to authorize or decline the transaction is routedthrough the network operator 22 and acquirer 20, ultimately to themerchant 16 at the point of sale. This entire process is typicallycarried out by electronic communication, and under routine circumstances(i.e., valid device, adequate funds, etc.) can be completed in a matterof seconds. It permits the merchant 16 to engage in transactions with adevice holder 12, and the device holder 12 to partake of the benefits ofcashless payment, while the merchant 16 can be assured that payment issecured. This is enabled without the need for a preexisting one-to-onerelationship between the merchant 16 and every device holder 12 withwhom they may engage in a transaction.

The authorization may also be separate in time from the consummation ofthe transaction. In some cases, an authorization will be taken by amerchant 16, but payment is not made until goods are delivered or theservices performed some time later. In any case, on a periodic basis,e.g., daily, the merchant 16 will submit a batch of completed andauthorized transactions to the acquirer 20 to receive payment. Theacquirer will in turn look to the network operator for payment in aprocess called “clearing”. The clearing records, or list of clearedtransactions including data relevant thereto in form and contentspecified by the network operator 22, is transmitted to the issuer 24.

The issuer 24 may then look to its customer, e.g., device holder 12 orother party having financial ownership or responsibility for theaccount(s) funding the payment device 14, for payment on approvedtransactions, for example through an existing line of credit where thepayment device 14 is a credit card, or from funds on deposit where thepayment device 14 is a debit card. The issuer 24 will prepare a periodicstatement 26 listing transactions on the account of a device holder 12,including merchant data as provided by the network operator 22.

One problem that arises is poor quality of the data received from anacquirer 20, particularly where the merchant 16 is separated from theacquirer 20 by a third party payment provider 18. If the networkoperator 22 could accurately assign the location of the merchant duringthe authorization processing, that location ID would be available, forexample to improve fraud monitoring, or to provide and instant rewardsand/or do instant at-the-point-of-sale rebates. That service could bemade available to other MasterCard operational entities, perhaps evenexternal customers.

FIG. 2 illustrates a process 100 for merchant location assignment usinga conventional SQL database. Transaction data 102, including merchantkey fields 104 and merchant attributes 106 is received from the acquirer20. In many cases, the merchant key fields 104 and merchant attributes106 received from the acquirer 20 is ambiguous to identify the merchant,the transaction location (as compared, for example, to a headquarters ofthe merchant), or whether the merchant is affiliated with a chain,franchise or the like, where it may be advantageous to consider themerchant as part of a larger aggregate for at least some purposes.

The transaction data 102 is subjected to a merchant scrubbing process108. The merchant scrubbing process 108 includes the application of aset of scrubbing rules and exceptions 110, for example including addressdata standardization and/or normalization and the like. The merchantscrubbing process 108 produces scrubbed location data 112. Scrubbedlocation data 112 includes merchant key fields 104 and merchantattributes 106 received from the acquirer 20 with transaction data 102,as well as the scrubbed fields 114 which are the result of theapplication of the scrubbing rules and exceptions 110.

A location assignment process 116 queries a relational database 118,alternately referred to as a data warehouse, meaning the specificdatabase 118 or part thereof, or to including the operationalcharacteristics of such data storage. The database 118 stores merchantentries which unambiguously identify characteristics of the merchant(location, affiliation, etc.). The query conventionally involves the useof an SQL database interface or management system, one of which is knownby its manufacturer, ORACLE, or an equivalent. The location assignmentprocess 116 may include one or more database queries based upon thescrubbed merchant data fields 114.

Where a suitable match is found in the database 118, the result of thelocation assignment process 116 would include scrubbed merchant data119, including the components of the scrubbed location data 112, as wellas an assigned merchant location ID 120. Additionally and/or optionally,aggregate merchants, e.g., those belonging to a chain or franchise,would be associated with one another and/or their respective groups aspart of the location assignment process 116. Where applicable, thescrubbed merchant data 119 includes an aggregate merchant ID 122.Furthermore, the location scrubbing portion of the merchant datascrubbing process 108 would have used the Oracle only to the extent oflogging statistics and rule usage.

The process 100 for merchant location assignment of FIG. 2 and asdescribed above is ordinarily conducted periodically in batches, atleast in part because as the database management system is not able toaccommodate the throughput requirements to reliably provide a resultwithout delaying the authorization process to an unacceptable degree.Required response times are considered to be at most 100 msec,preferably 50 msec and more preferably 0.5 msec.

A solution to this apparent data deficit problem remains wanting.

SUMMARY

MasterCard International, the assignee of the instant application, inits capacity as network operator 22 in the above-described process hasdeveloped a solution to provide cleansed merchant data in a real-timemanner. To meet the goal of running within the time frame of anauthorization meant that this service was going to have to be support atleast 2000 transactions per second. It was initially contemplated that,if all necessary data were to be loaded into RAM, it would be possibleto make the processing go fast enough. In this way, the developedprocess acquired the colloquial name “Merchant in Memory”.

Provided according to the present disclosure are a system and method ofdisambiguating ambiguous merchant identification data received from anacquirer as part of an authorization request for a cashless transaction.A binary-searchable non-transitory computer-readable medium is configureto store a first set of unambiguous merchant identification data havingplural data entries therein, each entry corresponding to a merchant. Abinary search of the first set of unambiguous merchant identificationdata is carried out using search keys based upon the ambiguous merchantidentification data to determine whether one or more entries of thefirst set satisfies at least one of a hierarchical second set of partialmatch criteria for comparing the ambiguous merchant identification datawith the first set of unambiguous merchant identification data. An entryof the first set of unambiguous merchant identification data is assignedto correspond with the ambiguous merchant identification data where atleast a predetermined number of the second set of partial match criteriaare met.

Further embodiments of the present disclosure store in abinary-searchable non-transitory computer-readable medium a third set ofaggregate merchant identification data having plural data entriestherein, each entry corresponding to an aggregate merchant. A binarysearch is performed of the third set of aggregate merchantidentification data using search keys based upon the ambiguous merchantidentification data to determine whether one or more entries of thethird set satisfies at least one of a hierarchical fourth set of partialmatch criteria for comparing the ambiguous merchant identification datawith the third set of aggregate merchant identification data. An entryof the third set of aggregate merchant identification data is assignedto correspond with the ambiguous merchant identification data where atleast a predetermined number of the fourth set of partial match criteriaare met.

The corresponding unambiguous merchant identification data entry may beprovided, for example to an acquirer, an issuer, internal fraudmonitoring, etc., for furtherance of their activities with respect tothe transaction being authorized. In further embodiments of the presentdisclosure, performing the binary search comprises identifying one ormore subsets of entries in the first set of unambiguous merchantidentification data which satisfy the partial match criteria in thesecond set. Moreover, responsive to determining that at least one of thesecond set of partial match criteria are satisfied, restricting furthersearching to those partial match criteria of the second set that areabove the satisfied criteria in the hierarchy.

The system may be implemented by a computing device, for example andwithout limitation a computer running Linux operating system, to carryout the steps described.

These and other purposes, goals and advantages of the present disclosurewill become apparent from the following detailed description of exampleembodiments read in connection with the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Some embodiments are illustrated by way of example and not limitation inthe figures of the accompanying drawings, in which like referencenumerals refer to like structures across the several views, and wherein:

FIG. 1 illustrates a typical cycle for cashless transaction processing;

FIG. 2 illustrates a process for merchant location assignment using aconventional SQL database;

FIG. 3 illustrates a process for the herein-called “Merchant In Memory”association of ambiguous transaction merchant data with anycorresponding unambiguous merchant data;

FIG. 4 illustrates schematically message queue passing of merchantlocation data between the network operator and a location lookupmerchant service; and

FIG. 5 illustrates one particular layout of shared memory for theMerchant In Memory.

DETAILED DESCRIPTION

In the investigation and development of a number of alternativesolutions to the problem described above, it was concluded that evenwith all the data needed in RAM, the design solution could not supportany kind of database management system, and would be limited to aread-only type of solution, consistent with the performance limitationsby the operating environment of the authorization process. Any updatesto the database would have to be handled elsewhere, for example byforwarding to another service. Considering further these performancerequirements of an operating environment such as the authorizationprocess, the process was refined to one which matched transactions toexisting locations, so that the network operator 22 could make use ofwhatever was already known about that merchant location, and inparticular identifying an aggregate merchant for all transactions. Iftransactions could not be matched to existing locations, there waslittle additional value in creating a new location on the fly, becausethere would be no additional information about that location. Therefore,the requirements for “Merchant In Memory” functionality were adjusted toreflect these refining assumptions.

Referring now to FIG. 3, illustrated is a process 200 for theherein-called “Merchant In Memory” association of transaction merchantdata with any corresponding merchant data which is known, for example anassigned merchant location ID 220 and optionally aggregate merchant ID222. A location lookup merchant service 208 applies a stored set 210 ofmerchant business rules, exceptions, and master keys to facilitate thesearch process. Under the location lookup merchant service 208, scrubbedfields do not have to be written into the transaction data. Locationassignment for existing locations is performed using master keys. Inmaking the assignment of a stored location ID or the like to thecorresponding transaction merchant data, the searching which had beenperformed by Oracle queries with reference to database 118, isaccomplished by binary searches of the merchant data stored “flat” inRAM, to be elaborated further hereinafter. An indication of unknownlocation id is assigned if no match is found. Optionally andadditionally, an aggregate merchant is assigned for new locations,pursuant to established aggregation rules.

Further to the limitations discussed above, the location lookup merchantservice 208 cannot and will not create new locations, nor update thedatabase 118. Therefore, a subsequent location creation merchant serviceprovides location scrubbing and assignment for new locations. As aresult, scrubbed data no longer must be passed via the transaction. Theattribute update merchant service 230 provides for updates to thedatabase 118 on behalf of location lookup merchant service 208.Attribute update merchant service 230 and new merchant location creation240 can be performed batch-wise in an off-line process, as these are notrequired in the authorization timeframe.

The location lookup merchant service 208 is a 1-step process thatincludes location scrubbing, location assignment for existing locations,and aggregate merchant assignment for new locations. In theauthorization environment, this is all that will be required of theservice, since no additional information will be available for newlocations. For processes that currently run location assignment inno-update mode so they do not update the merchant database, locationlookup merchant service 208 provides all of that functionality in thescrubbing step. With no database access at all, this basically no longerrequires any additional system resources.

With reference now to FIG. 4, further benefit accrues when the locationlookup merchant service 208 is operated on a Linux server 302, where itcan be fed transactions coming thru a messaging service from an externalapplication. This, for example, makes the process described hereininteroperable with what is described in the co-pending applicationAttorney Docket No. 1788-73, incorporated above by reference, asmerchant data cleansing in the transaction clearing record. Oneembodiment of the messaging service is the IBM Message Queue (MQ)product. The network operator 22 may write transactions to MQ 304, whichwill deliver them to the Linux machine 302 running the location lookupmerchant service 208. Therein, a wrapper layer 308 will pass thetransaction to location lookup merchant service 208 and then send theresults back through the MQ 306 to the network operator 22. A prototypeembodiment of the system, operating on a DELL computer running RED HATEnterprise Linux 5.6, shows more than adequate speed to meet therequirements of the authorization environment. With a single thread, itis possible to achieve over 11K transactions per second (TPS). With fourthreads, it is possible to achieve over 40K TPS.

Example memory requirements at current levels of operation in theauthorization operating environment, etc., are as follows. All the rulesrequired for location scrubbing, i.e., 210, represent approximately950,000 rules, occupying over 100 MB of RAM. The rules required foraggregation number approximately 55,000 rules, occupying approx. 4 MB ofRAM. All the keys used for location assignment total approx. 38,000,000derived keys and 40,000,000 acquirer keys, which together occupy 10.5 GBof RAM.

The source of the unambiguous merchant identification data is thedatabase 118, and is dumped to “flat” files periodically, e.g., daily.This can also be done with respect to the aggregate merchant data. Thatexample in particular may be done with less frequency, e.g., monthly.The tasks that dump the data to flat files can also push these flatfiles to a list of servers. These tasks are also responsible forreloading the flat files into shared memory. On the Dell boxes, a daemonprogram will be running that is triggered upon the arrival of a new setof files and loads those files into shared memory.

In one contemplated embodiment, consider that for example if 20 GB ofdata is to be loaded into shared memory, there will be 40G of memoryallocated. Thus, two sets of ping-pong buffers can load a new set ofbuffers while the old set continues to be used. In certain limitedembodiments (for example merchant name cleansing to overcome DNRs asdescribed in Attorney Docket No. 1788-73), it will not be necessary toload all of the data 118 to accomplish the required processing.

With reference to FIG. 5, illustrated is a more particular layout ofshared memory 400, in which there are seven (7) separate shared memorysegments. At the top level is a control segment 402 that is the anchorfor everything else. There are always three active buffers 404 forExceptions, Aggregate Merchant Rules, and Masters/Cleansed Data. Therewill be three in-progress buffers 406 that data can be loaded into. Inthe top level control segment, the index of the active set and the indexof the in-progress set are kept. Once new buffers are loaded, all thatis required to switch to the new buffers is update the index of theactive buffer set. The array of Shared Memory Buffer Structures is a 2×3array. The first dimension is for the ping-ponging—typically indexed bythe active buffer index. The second dimension indicates the type of thebuffer (Exceptions, Aggregate Merchant Rules, or Masters/Cleansed Data).Each of these array elements anchors the actual memory allocation andcontains an array of lookup structures that facilitate binary lookupsinto the data. These structures contain pointers to where theirrespective data is loaded. The data is accessed by using binarysearches, which means that all data in lookup buffers must be orderedproperly for their binary searches.

The object of a binary search is to find a particular key value in alarge buffer with a minimal number of comparisons and return someinformation associated with that key—in this example, a location id.According to this technique, the binary search begins in the middle ofthe buffer, compares the input key to the key in the middle anddetermines if it is an exact match or if the key we are looking for isabove or below the middle. If no match is found, the search is narrowedbased on the comparison result to one half of the buffer. A binarysearch is essentially a recursive algorithm that repeats the comparisonon the key in the middle of the rest of the buffer.

Eventually, the binary search either finds a match or runs out ofentries to search and returns no match. In C-based programming language,binary searches can be performed fairly easily using the bsearch libraryfunction. The bsearch function takes a pointer to a buffer, recordlength, total number of records, and most significantly, a pointer to acomparison function. The comparison function has to take two parameters,the pointer to the input key and the pointer to the key in the bufferthat needs to be compared.

The binary search is driven by the return codes from the comparisonfunction. Those familiar with C might know that most of the C comparisonfunctions have return codes that follow this design. A buffer of nullterminated strings can simply use “strcmp” as the comparison function.The buffers used in according to the present disclosure don't have nullsin them. Therefore, “memcmp” is a more useful function, which takes anadditional parameter—the length of the comparison. So for each of ourbinary searches, we have to combine that with a custom comparisonfunction.

Even so, finding exact matches in the buffers is comparativelystraightforward. The process becomes considerably more complicated whenattempting to use binary searches to do fuzzy matches as a substitutefor the fuzzy match performed by the database manager (e.g., ORACLE).

For example, the acquirer keys have a number of fields ordered forbinary searches as follows: Merchant Business Region, Merchant Country,Acq Merchant ID, Short Merchant DBA Name, Derived Merchant City, andDerived Merchant Street Address and Merchant State/Province. An exactmatch is essentially an affirmative memcmp on everything. If an exactmatch is not found, then part of the fuzzy logic is to search for aFuzzy match on the Derived Merchant City key field. This requires anexact match on everything except the Derived Merchant City in the searchkey, but the Derived Merchant City can either be UNKNOWN or a phonenumber.

A binary search for a subset of fields, in this case those preceding theDerived Merchant City field which does not require an exact match, maymatch any of a number of buffer entries. It will be necessary to limitthe search results to the ones in this set with a fuzzily matchingDerived Merchant City, as well as an exact match on Derived MerchantStreet Address and Merchant State/Province. However, the records thatneed to be considered are not ordered in a way that can be binarysearched beyond the fields preceding the Derived Merchant City field, sothe comparison function cannot tell us which way to go.

Therefore, it is proposed to combine two binary search functions tolocate suitable fuzzy matches. The first function finds the firstpartial match. The way it does this is by adjusting the behavior of thecomparison function when it finds a partial match. Rather than returningthe match, it continues searching for any preceding partial matches. Asecond function similarly finds the last partial match. Fuzzy logicsearches generally exhibit the basic design of finding a first partialmatch, a last partial match, then looping through all entries betweenfirst and last matches. The loop is exited when a good match is found.

After the location lookup merchant service 208 determines the scrubbedvalues for fields by application of rules 210, etc., it uses thescrubbed values to generate location keys and lookup the location ID.There are currently two types of location keys: Acquirer Keys, andDerived Keys. These keys are loaded into two separate shared memorybuffers, AcqMasters and DerMasters, respectively. The set of fields thatare common to both keys are referred to as the base key. The base keyconsists of Merchant Business Region, Merchant Country, MerchantState/Province, Derived Merchant City, and Derived Merchant StreetAddress.

Acquirer Keys are built corresponding to the structure of the key datain the AcqMasters buffer. An Acquirer Key consists of a base key plus anAcquirer Merchant ID, and the first three characters of the Short DBAName (i.e., Short DBA Prefix). Derived Keys are built corresponding tothe structure of the key data in the DerMasters buffer. A Derived Keyconsists of a base key plus a Derived Merchant ID.

Location assignment itself is based on the results of binary searchesusing the Acquirer Key and Derived Key from the transaction. The firstlookup into either set of Keys will be based on exact key matches. If amatch is found, no further lookups are required. More preferably, asecond exact match will be sought to ensure complete and correctassociation.

If no exact match Key match is found, subsequent lookups will beattempted with fuzzy matches on one or more of these following fields:Derived Merchant Street Address; State/Province Code; Derived City Name;and Short DBA Prefix (i.e., the first three characters of the Short DBAName).

Fuzzy match to Derived Merchant Street Address—A null Derived MerchantStreet Address (stored as a single hyphen “-”) is allowed to match anynon-null Derived Merchant Street Address. Similarly, a non-null DerivedMerchant Street Address is allowed to match a null Derived MerchantStreet Address (“-”). If there is no exact match on derived merchantstreet address, the subsequent lookups will look for one of these twotypes of fuzzy matches: 1) Transaction contains derived merchant streetaddress and the matched Key (location) does not. In this case theLocation Master and all acquirer keys and derived keys will need to beupdated with the derived merchant street address from the transaction.The transaction would be assigned the Unknown Location ID forcing thistransaction to be reprocessed by location creation merchant service 240to properly update the merchant database 118; and 2) Matched Key(location) contains derived merchant street address and transaction doesnot. In this case the derived merchant street address from the matchedKey must be written to the Last Seen Date Maintenance pipe.

State/Province Code—If the Country Code is “USA” or “CAN” or “AUS”, anunknown State/Province Code (“XX” for “USA” or “XP” for “CAN” or “UNK”for “AUS”) is allowed to match any valid State/Province Code. Similarly,a valid State/Province Code is allowed to match an unknownState/Province Code. If there is no exact match on State/Province Code,the subsequent lookups will look for one of these two types of fuzzymatches: 1) The transaction contains a State/Province Code and thematched Key (location) has an Unknown State/Province Code. In this casefor Canada or Australia the Location Master must be updated with theState/Province Code from the transaction. For USA, the Location Masterand Keys must be deleted and re-inserted into a different partition withthe State/Province Code from the transaction. The transaction isassigned the Unknown Location ID, forcing this transaction to bereprocessed by location creation merchant service 240 to properly updatethe merchant database 118; and 2) Matched Key (location) containsState/Province Code and transaction does not. In this case theState/Province Code from the matched Key must be written to the LastSeen Date Maintenance pipe.

Fuzzy match to Derived City Name—Several fuzzy matches on the DerrivedCity Name may be attempted. For specific acquirers known to corrupt theend of the city name, a derived city name is allowed to match a DerivedMaster with an initial substring of the derived city name if severalother specific conditions apply: No exact matches found for the derivedcity name; Exact match on State/Province Code; Derived Merchant ID isnot “UNKNOWN”; and/or Only a single Derived Master match is found. As aresult of this non-exact match on the derived city name, blank keyfields must be written to the Last Seen Date Maintenance pipe so no newMaster Keys will be created.

For certain acquirers know to corrupt both the start and end of citynames, a derived city name is allowed to match parts of the derived cityname in a Derived Master if several other specific conditions apply: Noexact matches found for the derived city name; Exact match onState/Province Code; Derived Merchant ID is not “UNKNOWN”; and/or only asingle Derived Master match is found. As a result of this non-exactmatch on the derived city name, blank key fields must be written to theLast Seen Date Maintenance pipe so no new Master Keys will be created.

If the derived city name has the value “CITYUNKNOWN” or contains numericdigits (other than trailing numeric digits after at least two alphadigits), it is allowed to match any valid derived city name if severalother specific conditions apply:

No exact matches found for the derived city name; No match for specificacquirers known to corrupt the start and the end or the start of thecity name is found for the derived city name;

Exact match on all other key parts (i.e. derived merchant street addressand State/Province Code);

If an Acquirer Master is matched, only a single Acquirer Master match isfound. If the location meets all other conditions, no attempt will bemade to find a Derived Master match;

If the Derived Merchant ID is “UNKNOWN”, no attempt will be made to finda Derived Master match;

If a Derived Master is matched, only a single Derived Master match isfound;

Transactions with derived city names that are partially numeric or“CITYUNKNOWN” must match a derived city name that does not start with adigit (and is not “CITYUNKNOWN”); and/or Transactions with derived citynames that are not partially numeric or “CITYUNKNOWN” must match aderived city name that starts with a digit or, in the case of matchingto an Acquirer Master, is “CITYUNKNOWN” (matches are not allowed toDerived Masters with “CITYUNKNOWN”). As a result of this non-exact matchon the derived city name, an EXCEPTION-FLAG will be written to the lastseen date named pipe so that no new Master Keys will be created, and anappropriate exception will be generated that can be processed by theexcepts process so that either subsequent transactions will be scrubbedso that they match existing Master Keys, or the location will bescrubbed so that subsequent transactions will match the modified keys.The type of exception generated (as specified by EXCEPTION-FLAG) isdependent upon the type of match and the derived city name in thetransaction;

If the derived city name in the transaction is numeric (at least thefirst 7 characters are numeric and the length is at least 10),EXCEPTION-FLAG=CT is used so an appropriate city-scrubbing exceptionwill be generated for the Country Code, State/Province Code and derivedcity name from the transaction and using the scrubbed city name from thelocation;

If a derived city name of CITYUNKNOWN is matched to an Acquirer Master,EXCEPTION-FLAG=AT is used so an appropriate exception will be generatedfor the MCC, ICA, Country Code, State/Province Code and AcquirerMerchant ID from the transaction and using scrubbed city name from thelocation;

If the match is to a location with a numeric derived city name (at leastthe first 7 characters are numeric and the length is at least 10),EXCEPTION-FLAG=CL is used so an appropriate city scrubbing exceptionwill be generated for the Country Code, State/Province Code and derivedcity name from the location and using the scrubbed city name from thetransaction; and/or

If the match is to an Acquirer Master with a derived city name ofCITYUNKNOWN, EXCEPTION-FLAG=AL is used so an appropriate exception willbe generated for the MCC, ICA, Country Code, State/Province Code andAcquirer Merchant ID from the location and using the scrubbed city namefrom the transaction.

Fuzzy match to Short DBA Prefix (the first three characters of the ShortDBA Name)—For debit or for acquirers known to put addresses in themerchant dba name field and either there is no derived address or thederived merchant id begins with a digit, or when there is an exact matchon the derived merchant street address, the short DBA prefix match canbe ignored (an exact match on state and derived city is required). Thisenables matching of debit transactions without merchant DBA names. As aresult, there are two types of matches that can affect subsequentprocessing: (1) Exact match on derived merchant street address, and (2)Matched Key (location) contains derived merchant street address andtransaction does not. In both cases it is assumed that the DerivedMerchant ID does not contain a merchant DBA name, so no derived Key willbe created. As a result of this non-exact match on the short dba prefix,blank key fields must be written to the Last Seen Date Maintenance pipeso no new Master Keys will be created.

Fuzzy matches to the derived fields described above are established withrespect to a hierarchy of partial match criteria. Any one or preferablymore partial matches will be considered acceptable to assign thecorresponding location ID. One a minimum requisite number of partialmatches is found in the hierarchy, the system may continue to search forfurther matches only to the extent that the further matches are rankedhigher than those already found.

For transactions location assignment is based on the results of theprioritized lookups for exact and non-exact matches as follows (Note,references to city and address refer to the derived city name andderived merchant street address):

1. Exact Acquirer Key match on state and address and city and short DBAprefix: a. In this case we will still look for a priority 2 Derived Keymatch, and if not found, a priority 4 Derived Key match. If found, andthe Derived Key location id is different from the Acquirer Key locationid, it will be passed to the Last Seen Date Maintenance as theDer-Location-ID for possible transfer to the Acquirer Key location id.

2. Exact Derived Key match on state and address and city.

3. Exact Acquirer Key match on short DBA prefix and city and state,address in transaction match to no address in location: a. This willrequire a key lookup with address set to ‘-’, and search all matches foran exact state match—i) If a match to unknown state in location isfound, save it as a priority 11 match; ii) If a match of unknown statein transaction to any state in location is found, save it as a priority13 match; b. In this case we will set the location id to unknown andinvoke the location creation merchant service 240 process.

4. Exact Derived Key match on city and state, address in transactionmatch to no address in location. a. This will require a key lookup withaddress set to ‘-’, and search all matches for an exact state match—i)If a match to unknown state in location is found, save it as a priority12 match; ii) If a match of unknown state in transaction to any state inlocation is found, save it as a priority 14 match. b. In this case wewill set the location id to unknown and invoke the location creationmerchant service 240 process.

5. Exact Acquirer Key match on short DBA prefix and city and state, noaddress in transaction match to any address in location. a. This willrequire a key lookup on the partial key up to the address, and searchall matches for an exact state match—i) If a match to unknown state inlocation is found, save it as a priority 15 match; ii) If a match ofunknown state in transaction to any state in location is found, save itas a priority 17 match. b. In this case we will not look for a DerivedKey match.

6. Exact Derived Key match on city and state, no address in transactionmatch to any address in location. a. This will require a key lookup onthe partial key up to the address, and search all matches for an exactstate match—i) If a match to unknown state in location is found, save itas a priority 16 match; ii) If a match of unknown state in transactionto any state in location is found, save it as a priority 18 match.

7. Exact Acquirer Key match on short DBA prefix and city and address,state in transaction, match to unknown state in location. a. This willrequire a key lookup with state unknown. b. In this case we will set thelocation id to unknown and invoke the location creation merchant service240 process.

8. Exact Derived Key match on city and address, state in transaction,match to unknown state in location. a. This will require a key lookupwith state unknown. b. In this case we will set the location id tounknown and invoke the location creation merchant service 240 process.

9. Exact Acquirer Key match on short DBA prefix and city and address,state unknown in transaction match to any state in location. a. Thiswill require a key lookup on the partial key up to the state, and takethe first match found. b. In this case we will not look for a DerivedKey match.

10. Exact Derived Key match on city and address, state unknown intransaction match to any state in location. a. This will require a keylookup on the partial key up to the state, and take the first matchfound.

11. Exact Acquirer Key match on short DBA prefix and city, address intransaction match to no address in location, match to unknown state inlocation. a. This match will have been found while looking for apriority 3 match. b. In this case we will set the location id to unknownand invoke the location creation merchant service 240 process.

12. Exact Derived Key match on city, address in transaction match to noaddress in location, match to unknown state in location. a. This matchwill have been found while looking for a priority 4 match. b. In thiscase we will set the location id to unknown and invoke the locationcreation merchant service 240 process.

13. Exact Acquirer Key match on short DBA prefix and city, address intransaction match to no address in location, state unknown intransaction match to any state in location. a. This match will have beenfound while looking for a priority 3 match; b. In this case we will setthe location id to unknown and invoke the location creation merchantservice 240 process.

14. Exact Derived Key match on city, address in transaction match to noaddress in location, state unknown in transaction match to any state inlocation. a. This match will have been found while looking for apriority 4 match. b. In this case we will set the location id to unknownand invoke the location creation merchant service 240 process.

15. Exact Acquirer Key match on short DBA prefix and city, no address intransaction match to any address in location, match to unknown state inlocation. a. This match will have been found while looking for apriority 5 match. b. In this case we will set the location id to unknownand invoke the location creation merchant service 240 process.

16. Exact Derived Key match on city, no address in transaction match toany address in location, match to unknown state in location. a. Thismatch will have been found while looking for a priority 6 match. b. Inthis case we will set the location id to unknown and invoke the locationcreation merchant service 240 process.

17. Exact Acquirer Key match on short DBA prefix and city, no address intransaction match to any address in location, state unknown intransaction match to any state in location. a. This match will have beenfound while looking for a priority 5 match. b. In this case we will notlook for a Derived Key match.

18. Exact Derived Key match on city, no address in transaction match toany address in location, state unknown in transaction match to any statein location. a. This match will have been found while looking for apriority 6 match.

19. Exact Acquirer Key match on city and address, exact or fuzzy matchon state, ignore short DBA prefix. a. This will require a key lookup onthe partial key up to the short dba prefix, and search all matches foran exact city match, exact address match and either exact or fuzzy statematch.

20. Exact Derived Key match on state and address and city, derived idfuzzy match. a. This match type will be applicable to Debit transactionsonly. b. Only if transaction contains no acquirer merchant id, a validaddress and derived merchant id is at least length 3. c. This willrequire a key lookup on the partial key up to the end of the derivedmerchant id in the transaction, and search all matches for an exactcity, address, and state match.

21. Exact Acquirer Key match on short DBA prefix and city and state,fuzzy match on address. a. Only for acquirers known to corrupt the endof the address;

b. Only if transaction contains a derived address with alphas; c. Thiswill require a key lookup on the partial key up to the address, andsearch all matches for a partial address (initial substring oralpha-only) match and an exact state match.

22. Exact Derived Key match on city and state, fuzzy match on address.a. Only for acquirers known to corrupt the end of the address; b. Onlyif transaction contains a derived address with alphas. c. Only ifderived merchant id is not UNKNOWN; d. This will require a key lookup onthe partial key up to the address, and search all matches for a partialaddress (initial substring or alpha-only) match and an exact statematch.

23. Exact Derived Key match on state, fuzzy match on city and address.a. Only for acquirers known to corrupt the end of the city name; b. Onlyif transaction contains a derived city of length at least 5; c. Only ifderived merchant id is not UNKNOWN; d. This will require a key lookup onthe partial key up to the city, and search all matches for a partialaddress (exact match or no address in transaction) match and a partialcity (initial substring) match.

24. Fuzzy Derived Key match on city and address and state. a. Only foracquirers know to corrupt both the start and end of the city name; b.GCO or Debit or Auth only (excludes certain card types and clearingtransactions); c. Only if transaction contains a derived city of lengthat least 5; d. Only if transaction contains a derived merchant id oflength at least 6 (performance limitation); e. Only if derived merchantid is not UNKNOWN; f. Use only first 20 chars of original merchant dbaname; g. Get the transaction scrubbed city name with ‘%’ in place ofspaces and at the beginning and end and throwing out all numerics; h.This will require a key lookup on the partial key up to the city, andsearch all matches for a partial address match (exact match or noaddress in transaction) and a partial city match (to modified scrubbedcity or exact match excluding last two characters of the derived city)and a partial state match (exact match or state unknown in transaction).

25. Exact Acquirer Key match on state and address and short DBA prefix,fuzzy match on city. a. This will require a key lookup on the partialkey up to the city, and search all matches for an exact address matchand exact state match and CITYUNKNOWN or numeric city (first 7characters are numeric and the length is at least 10 or any numericdigits other than trailing numerics after at least 2 alpha) to a validcity (not CITYUNKNOWN or numeric); b. If more than one matching key isfound, ignore the results.

26. Exact Derived Key match on state and address, fuzzy match on city.a. This will require a key lookup on the partial key up to the city, andsearch all matches for an exact address match and exact state match andCITYUNKNOWN or numeric city (first 7 characters are numeric and thelength is at least 10 or any numeric digits other than trailing numericsafter at least 2 alpha) to a valid city (not CITYUNKNOWN or numeric); b.If more than one matching key is found, ignore the results.

27. Exact Acquirer Key match on city and state, fuzzy address match(ignore short DBA prefix). a. Only for acquirers know to put addressesin the merchant name field; b. Either no address in transaction orDerived Merchant ID starts with a numeric (assume the Merchant DBA Namecontained the Acquirer Merchant ID). c. This will require a key lookupon the partial key up to the short dba prefix, and search all matchesfor an exact city match, exact address match (or match any address if noaddress in transaction) and an exact state match. d. If no address intransaction and more than one matching key is found, ignore the results.

It will be understood that the foregoing list of fuzzy match criteria isexemplary, and may be altered, expanded, contracted, etc., all withoutdeparting from the scope of Applicant's present disclosure.

With regard to the aggregate merchant location assignment, the processof performing the match shares many common features with the foregoinglocation ID assignment. Aggregate merchant IDs are assigned totransactions by location lookup merchant service 208 as described above,and by location creation merchant service 240 described hereinafter.Once the Location ID for a transaction has been determined, the LocationID and the Aggregate Merchant ID from the Location Master are stored inthe transaction.

Aggregate Merchants are assigned to each location master in one of threeways.

1. Aggregate Merchant Business Rule Processing

In location creation merchant service 240, transactions that generatenew locations during daily processing of clearing, debit, auth and otherdesignated transactions, the Aggregate Merchant ID is determineddynamically by the location creation merchant service 240 executable.This process preferably connects to shared memory buffers to access themost recently loaded exceptions and aggregate merchant rules. In oneembodiment, it is a Pro-C executable using a subroutine shared in commonwith the Aggregate Merchant Assignment Pro-C executable.

Alternately or additionally, location updates are carried out byexception processing. When exceptions are applied to a location ID, forexample by a Location Exceptions executable, exception processing causesthe short_DBA_name parameter for a location to change, and AggregateMerchant ID is predetermined dynamically. This process preferablyconnects to the Shared Memory Buffers to access the most recently loadedexceptions and aggregate merchant rules. In one embodiment, it is aPro-C executable using a subroutine shared in common with the AggregateMerchant Assignment Pro-C executable.

Alternately or additionally, an aggregate merchant assignment is carriedout periodically, for example near the end of each month. The AggregateMerchant process is run to add new Aggregate Merchant Rules, AssignedMerchant ID Lookup Rules, category-specific transaction processing rulessuch as Oil Brand Lookup Rules, Aggregate Merchant Lookup Rules,Acquirer Merchant ID Lookup Rule, Merchant Tax ID Lookup Rules, MerchantExceptions, Aggregate Merchant SQL Rules and Manual Aggregate MerchantRules, all for Aggregate Merchant Assignment.

Aggregate Merchant Assignment Processing using the Aggregate MerchantBusiness Rules may be performed daily in a location master table by thePro-C executable. This process connects to the Shared Memory Buffers toaccess the most recently loaded exceptions and aggregate merchant rules.The executable uses a subroutine shared in common with a LocationAssignment executable to process each of the locations in the partition,checking each location to see if the Aggregate Merchant ID of thelocation is correct based upon the location attributes of the locationand the current set of Aggregate Merchant Business Rules, and updatesthe Aggregate Merchant IDs and associated attributes in Location Mastersaffected by Aggregate Merchant Business Rule changes.

The Aggregate Merchant Assignment executable is also preferably designedto execute against tables other than the location master. Theflexibility to handle various tables is built into the parameter file,which defines the table to be used for Aggregate Merchant Assignment andany additional constraints on which locations to process. Locationsprocessed are restricted to where the Aggregate Merchant AssignmentProcessing will not override assignments based on Aggregate Merchant SQLRules or Manual Aggregation.

Aggregate Merchant ID Assignment

In a similar manner to location ID assignment described above, AggregateMerchant Business Rule processing assigns Aggregate Merchant IDs using ahierarchical list of match priorities. The following is one example listof priorities for applying the various Aggregate Merchant BusinessRules.

1) If an Assigned Merchant ID is available, search the Assigned MerchantID Lookup Rules that have a merchant compare name that is a superstringof another Assigned Merchant ID Lookup Rule, looking for a match usingthe Assigned Merchant ID, MCC and Short DBA Name.

2) If no match and an Assigned Merchant ID is available, search theAssigned Merchant ID Lookup Rules that have a merchant compare name thatis not a superstring of another Assigned Merchant ID Lookup Rule,looking for a match using the Assigned Merchant ID, MCC and Short DBAName.

3) If no match and an Assigned Merchant ID is available, search theAssigned Merchant ID Lookup Rules that have a merchant compare name thatis not a superstring of another Assigned Merchant ID Lookup Rule,looking for a match using the Assigned Merchant ID and Short DBA Name(matching any MCC).

4) If no match, search the Aggregate Merchant Lookup Rules with a beginposition of 1 that have a merchant compare name that is a superstring ofanother Aggregate Merchant Lookup Rule, looking for a match using theCountry Code (optional), State/Province Code (optional), MCC and ShortDBA Name.

5) If no match, search the Aggregate Merchant Lookup Rules with a beginposition of 1 that have a merchant compare name that is not asuperstring of another Aggregate Merchant Lookup Rule, looking for amatch using the Country Code (optional), State/Province Code (optional),MCC and Short DBA Name.

6) If no match, search the Aggregate Merchant Lookup Rules with a beginposition of 2 using the Country Code (optional), State/Province Code(optional), MCC and the appropriate substring of the Short DBA Name.

7) If no match, repeat step 6 for begin positions 3 thru 17.

8) If no match and an Acquirer Merchant ID is available, search theAcquirer Merchant ID Lookup Rules, looking for a match using the MCC,ICA and Acquirer Merchant ID.

9) If no match and an Oil Brand Code is available, search the Oil BrandLookup Rules, looking for a match using the Oil Brand Code, MCC andShort DBA Name.

10) If no match and an Oil Brand Code is available, search the Oil BrandLookup Rules, looking for a match using the Oil Brand Code and Short DBAName (matching any MCC).

11) If no match and a Merchant Tax ID is available, search the MerchantTax ID Lookup Rules, looking for a match using the Country Code, MCC,Merchant Tax ID, and Short DBA Name (optional).

12) If no match, set the Aggregate Merchant ID based on the MCC to 4511(for MCCs 3000 . . . 3299), 7512 (for MCCs 3300 . . . 3499) or 7011 (forMCCs 3500 . . . 3799) or to the MCC itself for all other MCCs.

Here again, it will be understood that the foregoing list of fuzzy matchcriteria is exemplary, and may be altered, expanded, contracted, etc.,all without departing from the scope of Applicant's present disclosure.

In one particular embodiment of the present disclosure, locationcreation merchant service 240 for Clearing, Debit, Auth and Visatransactions is performed by a Pro-C executable. The executable readstransactions from standard input, generates scrubbed merchant fields,performs master key lookups to match transactions to locations, performsall database updates for matched locations and new locations, stores theassigned Location ID (and possibly other fields such as the AggregateMerchant ID) in the transactions, and writes transactions to standardoutput. All differences in location assignment between the varioussystems are driven by the parameter file, which defines the input andoutput layouts for transactions.

The location creation script automatically handles its own restartrequirements by determining how much of the output file has beenwritten, removing any partially written records at the end of the file,and picking up where it left off for each file to be processed. Tosupport this, the location assignment executable commits databaseupdates after every transaction requiring database updates before thetransaction is written to output. If a deadlock occurs processing thetransaction, the transaction is rolled back, the cache is cleared, andthe transaction is reprocessed after pausing for 10 seconds.

Variants of the above-disclosed and other features and functions, oralternatives thereof, may be desirably combined into many otherdifferent systems or applications. Various presently unforeseen orunanticipated alternatives, modifications, variations, or improvementstherein may be subsequently made by those skilled in the art which arealso intended to be encompassed by the following claims.

I/We Claim:
 1. A method of resolving ambiguous merchant identificationdata that forms part of a cashless transaction, the method comprising:storing in a binary-searchable non-transitory computer-readable medium afirst set of unambiguous merchant identification data having plural dataentries therein, each entry corresponding to a merchant; performing abinary search of the first set of unambiguous merchant identificationdata using search keys based upon the ambiguous merchant identificationdata to determine whether one or more entries of the first set satisfiesat least one of a second set of partial match criteria; and assigning anentry of the first set of unambiguous merchant identification data tocorrespond with the ambiguous merchant identification data where atleast a predetermined number of the second set of partial match criteriaare met.
 2. The method according to claim 1, further comprising: storingin a binary-searchable non-transitory computer-readable medium a thirdset of aggregate merchant identification data having plural data entriestherein, each entry corresponding to an aggregate merchant; performing abinary search of the third set of aggregate merchant identification datausing search keys based upon the ambiguous merchant identification datato determine whether one or more entries of the third set satisfies atleast one of a fourth set of partial match criteria; and assigning anentry of the third set of aggregate merchant identification data tocorrespond with the ambiguous merchant identification data where atleast a predetermined number of the fourth set of partial match criteriaare met.
 3. The method according to claim 2, wherein the plural dataentries of the third set of aggregate merchant identification data aresequentially ordered.
 4. The method according to claim 2, wherein thepartial match criteria of the fourth set comprise: a match using andAssigned Merchant ID, Merchant Classification Code (MCC) and Short DoingBusiness As (DBA) Name by searching Assigned Merchant ID Lookup Rulesthat have a merchant compare name that is a superstring of anotherAssigned Merchant ID Lookup Rule; a match using the Assigned MerchantID, MCC and Short DBA Name by searching the Assigned Merchant ID LookupRules that have a merchant compare name that is not a superstring ofanother Assigned Merchant ID Lookup Rule; a match using the AssignedMerchant ID and Short DBA Name matching any MCC searching the AssignedMerchant ID Lookup Rules that have a merchant compare name that is not asuperstring of another Assigned Merchant ID Lookup Rule; a match usingone of a Country Code and State or Province Code, MCC and Short DBA Namesearching the Aggregate Merchant Lookup Rules with a begin position of 1that have a merchant compare name that is a superstring of anotherAggregate Merchant Lookup Rule; a match using one of the Country Codeand State or Province Code, MCC and Short DBA Name searching theAggregate Merchant Lookup Rules with a begin position of 1 that have amerchant compare name that is not a superstring of another AggregateMerchant Lookup Rule; a match using one of the Country Code and State orProvince Code, MCC and Short DBA Name searching the Aggregate MerchantLookup Rules with a begin position of 2 through 17, sequentially, thathave a merchant compare name that is not a superstring of anotherAggregate Merchant Lookup Rule; a match using the MCC, ICA and AcquirerMerchant ID searching the Acquirer Merchant ID Lookup Rules; a matchusing an Oil Brand Code, MCC and Short DBA Name; a match using the OilBrand Code and Short DBA Name matching any MCC; and a match using theCountry Code, MCC, Merchant Tax ID, and Short DBA Name searching theMerchant Tax ID Lookup Rules.
 5. The method according to claim 4,wherein the partial match criteria of the fourth set are hierarchicallyordered, and recited in descending rank.
 6. The method according toclaim 1, further comprising providing at least a portion of thecorresponding unambiguous merchant identification data entry to at leastone of an acquirer providing the ambiguous merchant identification datain the authorization transaction, and an issuer of a transaction devicepresented in the cashless transaction.
 7. The method according to claim1, wherein performing the binary search comprises identifying one ormore subsets of entries in the first set of unambiguous merchantidentification data which satisfy the partial match criteria in thesecond set.
 8. The method according to claim 1, wherein the second setof partial match criteria are hierarchically ordered, the method furthercomprising, responsive to determining that at least one of the secondset of partial match criteria are satisfied, restricting furthersearching to those partial match criteria of the second set that areabove the satisfied criteria in the hierarchy.
 9. The method accordingto claim 1, wherein the plural data entries of the first set ofunambiguous merchant identification data are sequentially ordered. 10.The method according to claim 1, wherein the partial match criteria ofthe second set comprise: an Exact Acquirer Key match on state andaddress and city and short DBA prefix; an Exact Derived Key match onstate and address and city; an Exact Acquirer Key match on short DBAprefix and city and state, address in transaction match to no address inlocation; an Exact Derived Key match on city and state, address intransaction match to no address in location; an Exact Acquirer Key matchon short DBA prefix and city and state, no address in transaction matchto any address in location; an Exact Derived Key match on city andstate, no address in transaction match to any address in location; anExact Acquirer Key match on short DBA prefix and city and address, statein transaction, match to unknown state in location; an Exact Derived Keymatch on city and address, state in transaction, match to unknown statein location; an Exact Acquirer Key match on short DBA prefix and cityand address, state unknown in transaction match to any state inlocation; an Exact Derived Key match on city and address, state unknownin transaction match to any state in location; an Exact Acquirer Keymatch on short DBA prefix and city, address in transaction match to noaddress in location, match to unknown state in location; an ExactDerived Key match on city, address in transaction match to no address inlocation, match to unknown state in location; an Exact Acquirer Keymatch on short DBA prefix and city, address in transaction match to noaddress in location, state unknown in transaction match to any state inlocation; an Exact Derived Key match on city, address in transactionmatch to no address in location, state unknown in transaction match toany state in location; an Exact Acquirer Key match on short DBA prefixand city, no address in transaction match to any address in location,match to unknown state in location; an Exact Derived Key match on city,no address in transaction match to any address in location, match tounknown state in location; an Exact Acquirer Key match on short DBAprefix and city, no address in transaction match to any address inlocation, state unknown in transaction match to any state in location;an Exact Derived Key match on city, no address in transaction match toany address in location, state unknown in transaction match to any statein location; an Exact Acquirer Key match on city and address, exact orfuzzy match on state, ignore short DBA prefix; an Exact Derived Keymatch on state and address and city, derived id fuzzy match; an ExactAcquirer Key match on short DBA prefix and city and state, fuzzy matchon address; an Exact Derived Key match on city and state, fuzzy match onaddress; an Exact Derived Key match on state, fuzzy match on city andaddress; a Fuzzy Derived Key match on city and address and state; anExact Acquirer Key match on state and address and short DBA prefix,fuzzy match on city; an Exact Derived Key match on state and address,fuzzy match on city; and an Exact Acquirer Key match on city and state,fuzzy address match (ignore short DBA prefix).
 11. The method accordingto claim 10, wherein the partial match criteria are hierarchicallyordered, and recited in descending rank.
 12. A system for resolvingambiguous merchant identification data that forms part of a cashlesstransaction, the system comprising: a first binary-searchablenon-transitory computer-readable medium having a first set ofunambiguous merchant identification data having plural data entriestherein, each entry corresponding to a merchant; and a computing deviceconfigured and operative to perform a binary search of the first set ofunambiguous merchant identification data using search keys based uponthe ambiguous merchant identification data to determine whether one ormore entries of the first set satisfies at least one of a second set ofpartial match criteria, the computing device further configured andoperative to assign an entry of the first set of unambiguous merchantidentification data to correspond with the ambiguous merchantidentification data where at least a predetermined number of the secondset of partial match criteria are met.
 13. The system according to claim12, further comprising: a second binary-searchable non-transitorycomputer-readable medium storing a third set of aggregate merchantidentification data having plural data entries therein, each entrycorresponding to an aggregate merchant, the computing device furtherconfigured to perform a binary search of the third set of aggregatemerchant identification data using search keys based upon the ambiguousmerchant identification data to determine whether one or more entries ofthe third set satisfies at least one of a fourth set of partial matchcriteria, and to assign an entry of the third set of aggregate merchantidentification data to correspond with the ambiguous merchantidentification data where at least a predetermined number of the fourthset of partial match criteria are met.
 14. The system according to claim13, wherein the plural data entries of the third set of aggregatemerchant identification data are sequentially ordered.
 15. The systemaccording to claim 12, wherein the partial match criteria of the fourthset comprise: a match using and Assigned Merchant ID, MerchantClassification Code (MCC) and Short Doing Business As (DBA) Name bysearching Assigned Merchant ID Lookup Rules that have a merchant comparename that is a superstring of another Assigned Merchant ID Lookup Rule;a match using the Assigned Merchant ID, MCC and Short DBA Name bysearching the Assigned Merchant ID Lookup Rules that have a merchantcompare name that is not a superstring of another Assigned Merchant IDLookup Rule; a match using the Assigned Merchant ID and Short DBA Namematching any MCC searching the Assigned Merchant ID Lookup Rules thathave a merchant compare name that is not a superstring of anotherAssigned Merchant ID Lookup Rule; a match using one of a Country Codeand State or Province Code, MCC and Short DBA Name searching theAggregate Merchant Lookup Rules with a begin position of 1 that have amerchant compare name that is a superstring of another AggregateMerchant Lookup Rule; a match using one of the Country Code and State orProvince Code, MCC and Short DBA Name searching the Aggregate MerchantLookup Rules with a begin position of 1 that have a merchant comparename that is not a superstring of another Aggregate Merchant LookupRule; a match using one of the Country Code and State or Province Code,MCC and Short DBA Name searching the Aggregate Merchant Lookup Ruleswith a begin position of 2 through 17, sequentially, that have amerchant compare name that is not a superstring of another AggregateMerchant Lookup Rule; a match using the MCC, ICA and Acquirer MerchantID searching the Acquirer Merchant ID Lookup Rules; a match using an OilBrand Code, MCC and Short DBA Name; a match using the Oil Brand Code andShort DBA Name matching any MCC; and a match using the Country Code,MCC, Merchant Tax ID, and Short DBA Name searching the Merchant Tax IDLookup Rules.
 16. The system according to claim 15, wherein the partialmatch criteria of the fourth set are hierarchically ordered, and recitedin descending rank.
 17. The system according to claim 12, the computingdevice further configured and operative to provide at least a portion ofthe corresponding unambiguous merchant identification data entry to atleast one of an acquirer providing the ambiguous merchant identificationdata in the authorization transaction, and an issuer of a transactiondevice presented in the cashless transaction.
 18. The system accordingto claim 12, the computing device being further configured and operativeto performing the binary search including identifying one or moresubsets of entries in the first set of unambiguous merchantidentification data which satisfy the partial match criteria in thesecond set.
 19. The system according to claim 12, wherein the second setof partial match criteria are hierarchically ordered, the computingdevice being further configured and operative to, responsive todetermining that at least one of the second set of partial matchcriteria are satisfied, restricting further searching to those partialmatch criteria of the second set that are above the satisfied criteriain the hierarchy.
 20. The system according to claim 12, wherein theplural data entries of the first set of unambiguous merchantidentification data are sequentially ordered.
 21. The system accordingto claim 12, wherein the partial match criteria of the second setcomprise: an Exact Acquirer Key match on state and address and city andshort DBA prefix; an Exact Derived Key match on state and address andcity; an Exact Acquirer Key match on short DBA prefix and city andstate, address in transaction match to no address in location; an ExactDerived Key match on city and state, address in transaction match to noaddress in location; an Exact Acquirer Key match on short DBA prefix andcity and state, no address in transaction match to any address inlocation; an Exact Derived Key match on city and state, no address intransaction match to any address in location; an Exact Acquirer Keymatch on short DBA prefix and city and address, state in transaction,match to unknown state in location; an Exact Derived Key match on cityand address, state in transaction, match to unknown state in location;an Exact Acquirer Key match on short DBA prefix and city and address,state unknown in transaction match to any state in location; an ExactDerived Key match on city and address, state unknown in transactionmatch to any state in location; an Exact Acquirer Key match on short DBAprefix and city, address in transaction match to no address in location,match to unknown state in location; an Exact Derived Key match on city,address in transaction match to no address in location, match to unknownstate in location; an Exact Acquirer Key match on short DBA prefix andcity, address in transaction match to no address in location, stateunknown in transaction match to any state in location; an Exact DerivedKey match on city, address in transaction match to no address inlocation, state unknown in transaction match to any state in location;an Exact Acquirer Key match on short DBA prefix and city, no address intransaction match to any address in location, match to unknown state inlocation; an Exact Derived Key match on city, no address in transactionmatch to any address in location, match to unknown state in location; anExact Acquirer Key match on short DBA prefix and city, no address intransaction match to any address in location, state unknown intransaction match to any state in location; an Exact Derived Key matchon city, no address in transaction match to any address in location,state unknown in transaction match to any state in location; an ExactAcquirer Key match on city and address, exact or fuzzy match on state,ignore short DBA prefix; an Exact Derived Key match on state and addressand city, derived id fuzzy match; an Exact Acquirer Key match on shortDBA prefix and city and state, fuzzy match on address; an Exact DerivedKey match on city and state, fuzzy match on address; an Exact DerivedKey match on state, fuzzy match on city and address; a Fuzzy Derived Keymatch on city and address and state; an Exact Acquirer Key match onstate and address and short DBA prefix, fuzzy match on city; an ExactDerived Key match on state and address, fuzzy match on city; and anExact Acquirer Key match on city and state, fuzzy address match (ignoreshort DBA prefix).
 22. The system according to claim 21, wherein thepartial match criteria are hierarchically ordered, and recited indescending rank.